Lahore Real Estate Forum

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(61940)
Friday, May 8, 2015 04:07 PM PST 

p. s. s. and don't get me started on the GDP, PPP, CPI, GNP etc. Pakistan's economy is worse than Zardaris era at the moment. The only thing that's working right this around is the army.

As much as we'd like that to happen, that ain't happening bro. These crooks will loot Pakistan for another 3 years then run away to Jeddah where there really businesses are. I just hope the army doesn't let them run away this time.

p.paki replied on Friday, May 8, 2015 05:32 PM PST 

economy is somewhat relaxed due to lower oil
prices. about 70% reduction in oil cost has given some relief to economy.. and there is no part of govt in this.

Usman replied on Friday, May 8, 2015 05:35 PM PST 

Guys, don't get to the fundamental economy indicators, instead just listen to Mr. Ahmet sb one liner!!!

Wow you must be a financial analyst from heavens!!

Ahmet replied on Friday, May 8, 2015 10:28 PM PST 

Usman bhai, let's stick to property discussions? And how about we agree to the conclusion that Pakistan is progressing beyond control and the recent IMF debt of $12 billion will be paid off the in the next 3 years.
And the poverty rate is the lowest since Musharrafs era,and pigs fly. lol. Anyway. Back to dha 9!
>
(61939)
Friday, May 8, 2015 04:04 PM PST 

Lesson is that when Price is going up every day and have reached certain Value then it is not time to buy rather sell, How you know know when it has reached or near that celing?, simple compare it with other Products where element of speculation is less,
>
(61938)
Friday, May 8, 2015 03:05 PM PST 
DHA Phase 7 - 2xKanal plots

Respected CMY - You had promised to respond to my request below and since your opinion really matters to me, I look forward to some input.
____

Respected CMY sb,

I have requested this info earlier but I appreciate you have been very busy and overwhelmed with so many questions here.

Regarding the 2 kanal query above, I have read this on this platform before in some posts about phase 7 2xkanal plots being very underpriced. I do not have plans to construct immediately (not before 4 years atleast) and I have one kanal plot in phase 6, which I can sell and buy 2xkanal in phase 7 in order to construct home on it later. The price is almost the same with just a very small or no difference.

Do you think this will be a good decision? I am quite tempted as this gives me double the amount of space just a few minutes ahead of where my current one kanal plot is. Also, given that most new phases have very limited 2 kanal plots (i.e. some in phase 8 and none in phase 9) also indicates that 2 kanal plots may become a rare thing in the next few years.

Although, I will eventually construct but just in case, do you think in case I change my mind later and want to sell, I will make some gain on phase 7 2xkanal plot? If so, how much do you expect in 5 years for a 2xkanal plot that will cost me around 185 to 190 lacs now?

I will be indebted for your response just once, please!

CMY replied on Friday, May 8, 2015 03:10 PM PST 

Go for it If nothing else you will double the price in 3 to 5 years with two kanal in DHA7 but DHA6 residential wont double any more in next 10 years.

Choudry Mujahid Yasin ( CMY )
Info@LREPK.Com

Sheru replied on Friday, May 8, 2015 03:12 PM PST 

Chaudhry saab, for you this might be a one liner but for me, this is the end of a long mind battle which you have now resolved. Thank you for your wise suggestions (always).

CMY replied on Friday, May 8, 2015 03:17 PM PST 

If I Knew its was going to be that easy to convince you I would have said that on your last post and taken you out of all this confusion :)

Go for it one house are built 2 kanal buyers pay any amount. Shawk da koi mul nia


Chodury Mujahid Yasin ( CMY )

saima replied on Friday, May 8, 2015 04:05 PM PST 

which block is best for two kanal plots,plz advise thnx

Sheru replied on Friday, May 8, 2015 04:12 PM PST 

@Saima: It appears that 2 kanal plots are in U, X and Y blocks. If you look at the map and based on my limited research, X block looks the best as it has direct approach (150 ft road) from Golf Course whereas for U block, there are a few twists and turns and several grid stations. Y block also seems good but it appears that X block has the largest 2 kanal plot community!

CMY sb / LRE can advise much better!

saima replied on Friday, May 8, 2015 08:13 PM PST 

thnx sheru one more Q is ph7 4 marla commercial file capable of giving excellent profit with in a year or two?thnx

saima replied on Friday, May 8, 2015 08:33 PM PST 

dear experts which one is better 4 marla commercial file dha 7 or 2 kanal plot ph 7 for maximum gain in 1 to 2 years time frame,thanks

Sheru replied on Friday, May 8, 2015 09:59 PM PST 

@Saima - In my opinion, commercial plots gain relative to population. If this is purely from investment purposes, I am not sure, maybe commercial. However, if you may consider making a house and at the same time want the value to grow, I would recommend 2 kanal plot as you will have a lot more buyers than sellers and it is safer irrespective of any trend towards phase 7 commercial or not.

Jameel replied on Saturday, May 9, 2015 02:22 AM PST 

These Plots are under priced at the moment, and improve a lot but there is a difference here most 2 kanals are Located on the Main but it is a cluster,
>
(61937)
Friday, May 8, 2015 02:55 PM PST 

Dear CMY,
well i am just in confusion. First i thought i will hold the Phase 9 5 Marla File and wait for the ballot but now after comments from your office team i got confused.
i bought file in 18.50 (minus commission etc.) so what should be my next step.
will i get 30,31 (Without Development Charges) just after ballot (even i get not a good location plot.) ?
i can hold the but i dont want to hold for a year...just want to rotate...

Rahza replied on Friday, May 8, 2015 03:13 PM PST 

CMY has not changed its stance...it was only one thing...that at which price one should by 5 Marla file...
Now i have cleard my mind...now i will go for ballot with all faith not on CMY but on Allah ...i will get what is written in my fate..
thanks CMY for your guidance :) stay blessed...

SSD replied on Friday, May 8, 2015 03:26 PM PST 

Best of luck Raza , just Believe in Allah and relax
>
(61935)
Friday, May 8, 2015 02:12 PM PST 
Phase 9 Lahore

Dear Choudry Mujahid Yasin,
First of All i pray & wish for yours health.
Still i remember our meeting held in yours Lahore office 2009 (with a cup of tea), and yours strong arguments sport to purchase phase 9 Res file @ 15 Lac.
I miss the train and investment with another LDA scheme after five year I loss my capital value (Inflation).
But now i am with you that Phase 9 Lahore Commercial 8 MB file are hot cake like phase 6 MB now a days. Its prices and location are at main MB 150 Fit Road.
What are your suggestion for prices after Ballot for 8 Marla Commercial plot? What are yours views about its value after three to five years time frame? when its position will hand over?
Regards,
Khalid

SAM replied on Friday, May 8, 2015 02:13 PM PST 

Question..if some one exit from 5M at 24.50 just before ballot by thinking he will added 6 lac more and go far multan file. is it correct decision for one year investment or he should retain 5M file for one year after ballot?????? Mr CMY or anyone response plz

regards

Rahza replied on Friday, May 8, 2015 02:43 PM PST 

@SAM ..it is the critical thing these days....ms also in same fix ....

AH replied on Friday, May 8, 2015 03:00 PM PST 

First thing is first do ISTIKHARA and meet personally with CMY. Since you are talking about high value investment.
Secondly no one lose money everyone is getting own fate. The third thing keep lesson learned as your own asset.

CMY replied on Friday, May 8, 2015 03:46 PM PST 

Khalid Mehmood not many people can ever understand why in DHA phase 3 a best located 8 Marla commercial plots constructed plazas are selling for 12 to 15 crore in
DHA Lahore phase 3 Y block the most sought after place right now with fully populated for years BUUUUUUUUUUUUT why people pay more for DHA Lahore phase6 half the size 4 marla commercial constructed plaza that just got possession only 7 years ago is selling nearly 10 crore with less than 30 % populated area.

Same thing will Insha Allah happen for 4 marla commercials in DHA9 when that is ready for possession. Its 4 marla will be same priced as DHA6 are today. At that time and day DHA9 will be most modern phase with latest housed and neat and clean wide boulevards and modern design plazas suitable for that time. It may take 5 years or it may take 10 years but one day both DHA6 commercial of 4 marla will have same price. You could count what will be price of DHA6 commercial in 10 years that will be same price of DHA9 commercial on same day.

I will leave it to imagination of readers what will be price of 8 marla commercial plots than after 5 ot 7 or 10 years because they are double the size of DHA6 4 marla plots and also on same size or even larger road. 4 marla not good for any multi national any bank any restaurant any shoe store any estate office any clothing outlet any super store backery etc BECAUSE you have to provide big entry door w space for stairs and lift. What is left on ground floor after these three ? Nothig. You cant even put three desks w chairs in that small space. In Lahore only ground floor does the business and 8 marla size is most suitable for any kind of business on ground floor.

Multi national and Banks ONLY go for large ground floors of at least 8 Marla size. They hate 4 marla size. DHA made huge mistake by making all 4-Marla commercial plots one main boulevard on DHA6. Tried to correct it in N Block DHA6 but wont be able to match 3 Kilometer long main boulevard market of 8 marla plaza. One side DHA10 other side DHA6-7 Other Side Ferozpur road last side DHA5 to be served by DHA9 4 and 8 Marla commercials.

Cant wait to see the map of DHA9 Prism. Too many friends here bought these 8 Marla commercials from me at 255 in last year lacs to lest weak at 324 lacs. Today its 345 lacs. Cant wait to see opening price of DHA9 Prism commercial of 4 Marla to 8 marla. I wont let any one of my friends/clients sell any of them before 5 years minimum for sure. BTW one they will be rising at fastest speed why would any one sell if dont have better option than that.

If any one have as secure as high returning I want to know it.

Time to sleep. All emails sent for ballot ready other than today form submissions. I haven't even checked rates today. I will check them on Monday :) Before that they have no meaning for me.


Choudry Mujahid Yasin ( CMY )
info@LREPK.Com

Khalid Mehmood replied on Friday, May 8, 2015 06:43 PM PST 

I really thanks for yours time & complete comparison of phase 9 Lahore 8 Marla MB commercial plot. Its HOT CAKE and best investment return of today scenario.
I appreciates yours property command, analysis specially
DHA Lahore.
Regards,
>
(61934)
Friday, May 8, 2015 02:03 PM PST 
Grand Avenue Development in Full swing & investment Opportunity

Dear Respected Forum Members

Please check the below link for development work in Grand Avenues.

http://www.uda.com.pk/grand-avenues/development-work/road-work/#


Development work in Grand Avenues is in full swing and the news is that they will give possession in August 2015 for 1 kanal plots in block A(Confirmed from their office).

It is a least discussed scheme at a very strategic location next to Bahria Nasheman on main road and prices are low in the market. It is approved now from TMA and not included in LDA illegal list anymore.

I request forum members to discuss the investment options in Grand Avenue. I have spoken to few dealers and they said that now the prospects are good and prices will increase sharply within a year once they give possession in A block.

Regards
Ahsan Ali

Ahmed UAE replied on Friday, May 8, 2015 03:26 PM PST 

Dear Ahsan, I am also having plots in Grand Avenue and regularly keep an eye on development status. although there is on going development for Block A , but what about block B and especially 10 marla plots. further more for your information if u visit WWW.lda.gop.pk, there u will find that grand avenue still in not cleared list by LDA

Ahsan replied on Friday, May 8, 2015 05:35 PM PST 

Dear Ahmed

They are working on Block B as well and did some changes in Map too to offer new 5 Marla cutting in B block by reducing commercial plots. The illegal list of LDA which identifies Illegal societies in Nishtar town domain on Ferozpur road does not contain "Grand Avenue" They got approval from TMA in 2012 July. They are advertising in newspapers and if the society is illegal it is not possible now to advertise (As far as I know). They have submitted all their paper work to LDA after approval from TMA (you can get confirmation by calling them)

I have spoken to many dealers and found that the issues has been resolved. It is a small society with only two blocks (A& B) and INSHALLAH very soon the
prices will improve. They are doing marketing in newspapers and attempting to lift its appearance by doing extensive plantation and green belts.

In sum, the situation has changed and it is changing in a positive direction. You can see on ground development and construction of houses. Many dealers opened their offices in Grand Avenue and trade is happening.

I was thinking to sell my 2 plots but after observing ground reality and prices in the surroundings such as Bahria Nasheman( 5 marls 25-28).I have changed my mind and don't want to sell now. I am positive that it will pick up soon and give good gains INSHALLAH.

Ahsan replied on Friday, May 8, 2015 06:12 PM PST 

Dear Jameel Bhai

With Due Respect

Thanks for your valuable input. I totally agree with you that based upon ground realities it is highly underpriced and quality of development is excellent.

Kindly, please advise us what is your anticipated price of I kanal in Grand Avenue & central Park after three years (currently 30& 40 lac respectively). Your insight and deep analysis help us to make some right investment decisions.

Regards
Ahsan

Jameel replied on Friday, May 8, 2015 06:34 PM PST 

inshallha will catch 52, 53 in resale Market till that time. i.e 22 Lac gain from this point . When few houses will be there the difference with Central Park will finish.
I Think you Bought in 25 at Installments Hold it

Ahsan replied on Friday, May 8, 2015 06:42 PM PST 

Dear Jameel Sahib

Thanks, yes I got on 25 lac installment and I will INSHALLAH hold it as per your advice. Please give me your email to
contact you.

Jameel replied on Friday, May 8, 2015 06:51 PM PST 

jameelm68 at mail dot com

to avoid spam search engine

Pls don't mind if I cant reply in time

Ahmed replied on Tuesday, March 3, 2020 04:33 PM PST 

Dear,
Can anybody tell me Grand avenue is approved society is it safe investment.
>
(61933)
Friday, May 8, 2015 01:50 PM PST 

I am looking for a good investment opportunity. And I want to stay within DHA property investment.
Under current market conditions:

1. What is a good phase to invest in, starting with 5 to 10 marla land size? And something that you don't have to hold for eternity.

2. Someone told me that Phase 8, 10 Marla is a good investment as the price will go to 1.25 Crore if it is held for 1 to 1.5 years period. Please advise.

3. What is a good way to find out about charges, taxes etc. that we have to pay to DHA. So that total figure of purchase including price of land plus extra charges can a estimated.

4. Is there any tax called CVT tax while purchasing property and is 5 marla exempt from it?

5. There is no price history of any plot of file that is there out in the market. How do we know that we are not buying land at inflated price? Without know the price history it is difficult to determine the real value of land.

Any response is appreciated.
>
(61932)
Friday, May 8, 2015 01:44 PM PST 
state life phase 2

Dear CMY
Pl comment on the future of state life phase 2. Will prices inc after ph 9 ballot. Regards
>
(61931)
Friday, May 8, 2015 01:42 PM PST 

Salam. CMY sahab. I hope you r in good health by the grace of Almighty. I will appreciate if you advice me in respect of 5 marla file in DHA 9 TOWN Lahore (Shuhada town). My questions are as follows.
1. With ur great experience what would your guess about his balloting and development start.
2. Whether development start first or bollotting
3. What is your guess price near balloting or development start.
4. What is your guess price of 5 marla plot at time when people start building there houses
May Allah give u good jazz for this advice.
>
(61929)
Friday, May 8, 2015 12:43 PM PST 
DHA Phase 8

Dear CMY sahib,

What are the prospects of plot nos. V-1236 to V-1256, PH. 8 being converted to commercial plots some day, just like what happened in Gulberg? What is the current price range of these plots?

Best regards,
Ejaz

AH replied on Friday, May 8, 2015 02:18 PM PST 

DHA don't convert residential plots into commercial. They develop to live and to breath people as well. For commercial. Buy phase 9 8M
>
(61928)
Friday, May 8, 2015 11:48 AM PST 

I am looking for a good investment opportunity. And I want to stay within DHA property investment.
Under current market conditions:

1. What is a good phase to invest in, starting with 5 to 10 marla land size? And something that you don't have to hold for eternity.

2. Someone told me that Phase 8, 10 Marla is a good investment as the price will go to 1.25 Crore if it is held for 1 to 1.5 years period. Please advise.

3. What is a good way to find out about charges, taxes etc. that we have to pay to DHA. So that total figure of purchase including price of land plus extra charges can a estimated.

4. Is there any tax called CVT tax while purchasing property and is 5 marla exempt from it?

5. There is no price history of any plot of file that is there out in the market. How do we know that we are not buying land at inflated price? Without know the price history it is difficult to determine the real value of land.

Any response is appreciated.

Jameel replied on Friday, May 8, 2015 01:11 PM PST 

Post Blocked

CMY replied on Friday, May 8, 2015 04:01 PM PST 

Jameel bhai Habib bhai plz send me emails address for moderator password so you can re post your all blocked posts yourself.



They are usually big and software reads some thing funny in them.

Jameel replied on Friday, May 8, 2015 04:03 PM PST 

20% Gain and it is too Good to me, Dont get panic about their maintenance charges it is 30,000 per year 2500 per Month ??
After 40 months your investment can give you 30 to 40 Lac almost one Lac Per Month, Hold It and Again not get fooled by Daily changing rates, it is sign of unstablity or High Speculation.
I will Tell You my Investments for privacy I am not telling you
Location etc
A Jan 2007 Plot , 27 Lac earning for me 60,000 per months from 1st day

B August 2008 Plot 33 Lac, Earing for me 90,000 Lac per Month from 1st day

c August 2008 Plot 20 Lac earning 45,000 for Me till Today.

D June 2010 House 70 Lac earning for me 1.3 Lac per Month, i never rented Current rent 50 Possible

E March 2011 Plot [ was best Timing in Cycle] 34.5 Lac gaining 140,000 per Month till date

F Plot 33 Lac March 2014, got 1 Lac Gain per Month till date

Now i am seeing for some time price may be stuck But i have No worry, I never invested all I have I never took Loan for Investment.

saima replied on Saturday, May 9, 2015 01:46 PM PST 

jameel bhai where did u buy plot in 2014 giving one lac gain per month?is there any buy like that these days?plz advise i am new in this field thanks,jazakAllah kher
>
(61927)
Friday, May 8, 2015 11:11 AM PST 
Status Checking for PH-9 5 Marla Files

CMY
AOA. I hope u r enjoying good health now. I ve bought 02 Ph-9 files from LRE. I ve filled the ballot ready form. Kindly check that my both files are ballot ready. I shall be grateful to u. Waiting for ur e- mail.

CMY replied on Friday, May 8, 2015 11:26 AM PST 

Working on them right now. Just too many
files :)
>
(61926)
Friday, May 8, 2015 07:43 AM PST 
DHA Phase 8

Ad Type
City
Phase
Block
Plot
Size
For Sale
Lahore
8
V
1216
1 K
CMY sahib. Salaam.
I learn a lot of real estate knowledge from your website.
Allah bless you , and your family. Ameem.
I have one Bad location I Kanal plot in phase 8. V-1216. Infort of graveyard. I will wait and hold until possession of phase 8. Maybe I get little more profit. I am in USA I cannot travel this time
I bought a fife in 30 lac and paid 9k development charges.
I would like to move in ph 9 better locations.
Pls tell me when you get chance. What is the plot value right now
and what will be after possession ?
Better to move right away after ph 9 ballot or wait the ph 8 V block possession. ?
Best regards

malik replied on Friday, May 8, 2015 01:21 PM PST 

Karamat Bhai u have a very valid question which warrants answer from a real estate GURU . I think many people including myself are wait for the right time to abandon Ph8 and make entry in Ph 9; However timings matter alot in our case
>
(61925)
Friday, May 8, 2015 07:15 AM PST 
price

Ad Type
City
Scheme
Phase
Block
Plot
Size
Road
Demand(Rs)
Wanted
lahore
dha
7
w
567
1
50
125000
cmy please let me know what u think dha phase 7 567 w is this good investment and what u think next 2 to 3 yeadr price thx
>
(61924)
Friday, May 8, 2015 06:34 AM PST 

DhaPhase 9 5 marla

*Reposted*

Salaams CMY Bhai

Inshallah u r doing well.
According to ur previous post the prices for 5 marla AFTER Ballot would be:
30-32 Lacs for bad locations and 40-42 for good locations. If i am not wrong u also said that these are WITHOUT development charges.

I personally went to ur DHA office and one of ur team member said to me thats not possible and YOU are mistaken as these prices are including development charges. He said repeatedly that I must have missed reading ur comment "with all dues clear" in the post related to After ballot prices.

He said that no way a PLOT can touch even 40 (with all dues clear) as plots on ground (with possession) in Phase 9 TOWN are at that prices (45-55 lacs). So phase 9 prism PLOTS will take a long time to get to these prices (32+7=39 OR 42+7=49).

i have witnessed this confusion amongst ur other readers too so PLEASE remove this confusion for us. The prices u quoted are with development charges or without them.

AH replied on Friday, May 8, 2015 03:11 PM PST 

@ Dear All, Don't say graveyard worst. Everyone has to go there. Our loved one living there.

zoo replied on Saturday, May 9, 2015 06:56 PM PST 

Thxs for detailed reply

Lhr replied on Sunday, May 10, 2015 11:45 PM PST 

...
>
(61923)
Friday, May 8, 2015 05:50 AM PST 
Hope all is well!

Dear Mujahid.
Just learned that you had a Doctor's appointment today. Hope all is well. Take good care of yourself. You are still young. Few tips...

- Eat at least 4 servings of Vegetable/Fruits per day.
- Eat at least 2 servings milk, soy beverage per day.
- Drink at least 8 glass of water daily.
- Be "Active" - Go for walk, light exercise per your Doctor's recommendation. Don't loose flexibility.
- Maintain Healthy weight.
- More fiber in the food - wholegrain products.
- Consume less sugar/caffeine.
- Do not miss your medicine (if prescribed).

Stay Healthy and...
Stay Blessed - Ameen!

Regards.
Abu-Bakar.

CMY replied on Friday, May 8, 2015 01:06 PM PST 

Thanks brother
>
(61921)
Friday, May 8, 2015 02:53 AM PST 
DHA Multan property tax (2%)

AoA
Can some one clarify the impact of property tax when buying files. I am refering to 2% tax imposed by govt in last budget
- Who needs to pay it. Buyer or seller?
- When is it required to be paid?
- The price quoted on dha website includes this tax or not? E.g the current price for DHA multan file is 30.30

CMY replied on Friday, May 8, 2015 04:16 AM PST 

There is no CVT. There are no NTN involved in
DHA Multan.

People who are afraid of tax authorities mostly buy affidavit files because all their purchases are hidden from tax authorities until they sell their files after its converted to allocation file. Even than tax authorities cant come after sellers because affidavit file was transferred against land. Old land transactions were never reported to tax authorities via DHA or CVT filing etc


This is the main reason most large investors especially from Karachi only buy affidavit files for commercial plots that are purchased with huge unreported amounts and also residential plots in DHA Lahore Gujranwala and Multan. Affidavit is used as shield to keep tax collection people away from you. Less data goes to TAX Dept via CVT bmore safer these people feel. DHA never shares its own data of current owners with tax departments unless there is a court order some owner or there is a NAB case owner etc.

In all cases of allocation files buyer must pay CVT in Lahore etc.

I know an am now going to chewed by few friends here for sharing this hidden secret about this tax related this info :) So answering in advance. Molvi sahbaan I am not suggesting any one to hide their money in affidavit or buy only affidavits. I just have to explain tax implications of allocation and affidavit files purchases. Its readers choice what they wanna do. After affidavit purchase and its sale time both buyer seller info goes to Tax dept when buyer files his CVT and both are tax net because CVT form has both buyer and seller complete data of it.

Tax dept dont go after 99% buyers source of income for purchases due to in efficiency in that department but less than 1% buyers only are some times asked to prove where buyers got that amount to fund the purchase.

Choudry Mujahid Yasin ( CMY )
Info@LREPK.com
Post via cell phone so many spell erros

Jameel replied on Friday, May 8, 2015 04:36 AM PST 

Dear CMY,
You mean when we pay 2% advance Tax on any purchase more than 3 Million Value we get any Notice from income tax authorities to file tax or Show source of income, Any one in the Forum Got any of such Notices?[I Hope Not]
There are only few experiences, when people got notice of Tax Dept when they did not pay that 2% advance tax at the time of transfer.
No matter how good is Affidavit file it does not suit overseas person like me, i am always in rush and finish with in days. You see so many friends worried as they could not get even Letters.

CMY replied on Friday, May 8, 2015 05:06 AM PST 

Jameel bhai I have added a note at bottom that even though buyers and sellers data is filled in CVT form for allocation
files transfers In 99% cases a buyers is never asked by Tax authorities about source of income ar amount source to fund the transfer.

Have seen few people get notices even when they had NICOP and worked lived out side Pakistan and even had mailing addresses other than Pakistan.

Never saw any sellers get a notice after sale of their allocation letter or any property.


Always advocated when possible buy allocation before affidavit because allocation files transfers are always better documented safer quicker for new buyers.

A buyer must be fully knowledgeable or his dealer must be very familiar with affidavit file transfer or you just dont try to save 10000 to 20000 because risk of getting into trouble is NOT WORTH.


Choudry Mujahid Yasin ( CMY )
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